For stores with higher turnover (more than PLN 50,000 per month), it is worth negotiating individual commission terms with the operator.<\/div><\/div>
3. available payment methods<\/strong>
The most important payment methods in Poland (2025):
- BLIK - the most popular mobile method<\/li>
- Fast bank transfers<\/li>
- Payment cards (Visa, Mastercard, Maestro)<\/li>
- Apple Pay and Google Pay - growing in popularity<\/li>
- Installment payments (PayPo, Twisto)<\/li>
- Deferred payments<\/li><\/ol>4 Settlement time<\/strong>
- PayU, Przelewy24, Tpay:<\/strong> T+1 to T+2 (1-2 business days)<\/li>
- Stripe:<\/strong> usually 2-7 working days<\/li>
- PayPal:<\/strong> immediate, but possible blockages<\/li><\/ul>5. quality of technical support<\/strong>
- Polish operators:<\/strong> Polish language support, knowledge of the local market<\/li>
- Stripe:<\/strong> excellent documentation, support in English<\/li>
- PayPal:<\/strong> Multilingual support, but sometimes less flexible<\/li><\/ul>
Safety and regulatory compliance<\/h6>PCI DSS Compliance<\/strong>
All listed operators are certified according to the PCI DSS standard, which means:
- Payment card data is securely processed<\/li>
- Store does not store sensitive card data<\/li>
- Transactions are encrypted<\/li><\/ul>3D Secure 2.0<\/strong>
All operators support the 3D Secure 2.0 protocol, which:
- Enhances transaction security<\/li>
- Reduces the number of charge-backs<\/li>
- Is required by PSD2 regulations<\/li>
- Improves user experience (fewer verification steps)<\/li><\/ul>
Optimize payment conversion<\/h6>Best practices:<\/strong>- Offer multiple payment methods<\/strong> - each customer has their own preferences<\/li>
- Place payment systems logo<\/strong> on homepage and products<\/li>
- Simplified forms<\/strong> - the fewer steps, the better<\/li>
- Express payment<\/strong> - options like Apple Pay or Google Pay<\/li>
- Payment without registration<\/strong> for new customers<\/li>
- Mobile optimization<\/strong> - More than 60% transactions are mobile devices<\/li><\/ol>
Solutions for specific needs<\/h6>Subscriptions and recurring payments<\/strong>
Best options:
- Stripe<\/span> - the most advanced API for subscriptions<\/li>
- PayU<\/span> - support for tokenization and recurring payments<\/li>
- Przelewy24<\/span> - recurring payment system<\/li><\/ul>Marketplace and split payments<\/strong>
For marketplace platforms (multiple vendors):
- Stripe Connect<\/span> - dedicated solution for marketplace<\/li>
- PayU<\/span> - the possibility of splitting payments (split payment)<\/li><\/ul>International payments<\/strong>
For global sales:
- Stripe<\/span> - 135+ currencies, local payment methods<\/li>
- PayPal<\/span> - brand recognition around the world<\/li>
- PayU<\/span> - presence in CEE and Latin American countries<\/li><\/ul>
Hidden costs and additional charges<\/h6>Warning<\/div>
When choosing an operator, pay attention to the full cost estimate, not just the basic commission.<\/div><\/div>
Possible additional costs:<\/strong>
- Charge-back:<\/strong> PLN 15-30 per complaint<\/li>
- Payouts:<\/strong> Some operators charge a transfer fee to your account<\/li>
- Currency exchange:<\/strong> 1-3% margin on international transactions<\/li>
- Account inactivity:<\/strong> Fees when there are no transactions (rare)<\/li>
- Premium support:<\/strong> additional technical support<\/li><\/ul>
How to change the payment system?<\/h6>Migration between payment operators requires:
- Create an account with a new operator<\/li>
- Business verification (2-5 working days)<\/li>
- Module installation and configuration<\/li>
- Transaction tests<\/li>
- Activations for customers<\/li><\/ol>
Tip<\/div>
You can run the new payment system in parallel with the old one, gradually directing traffic. This minimizes the risk of problems.<\/div><\/div>
Summary<\/h6>Choosing the right payment system has a key impact on the conversion and profitability of your online store. There is no one-size-fits-all solution - the best choice depends on the specifics of your business.
Our main recommendations:<\/strong>- For Polish B2C market:<\/strong> PayU or Przelewy24<\/li>
- For international sales:<\/strong> Stripe + PayPal<\/li>
- For Startups with limited budgets:<\/strong> Tpay or Przelewy24<\/li>
- For advanced solutions:<\/strong> Stripe<\/li><\/ul>
Need help integrating your payment system?<\/strong>
We will help you choose and configure the optimal payment solution for your WordPress or PrestaShop store. We take care of comprehensive integration, testing and optimization of the payment process.
Contact us<\/a>